text:
Darryl founded Smith Financial Advisors Inc. in 2006 after over 30 years experience in financial services including Mergers & Acquisitions, Investment Banking and traditional Commercial Banking activities at Bank One. Smith Financial Advisors is a Registered Investment Advisor in the State of Illinois. The firm specializes in Investment management, financial planning, and retirement planning.
Best Bad Credit Personal Loans in Stevens Point
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Where to Get a Small Personal Loans for Bad Credit?
It is rather difficult for a customer with bad credit history to get a loan. Still such clients can find several options to receive approval for a certain credit amount. There are lots of finance corporations and online networks offering personal loans for bad credit in Stevens Point on specific terms. Everything depends on the terms.
How to Get the Personal Loans for Poor Credit in Stevens Point
There are several ways to get such a credit. You can send a request to the following lenders:
A traditional big bank. It offers a good interest rate. But it is likely that such a bank will refuse you;
A small regional bank. This institution is closer to a customer so it can offer better terms for him;
Online service. It is an agent between a customer and a lender. It will credit a customer in practically 100% of cases;
Private lenders. This is one of the riskiest ways of having a credit;
Crowdfunding. This way means that you ask for the credit the unknown people from the internet. You send the request, and other Internet users may answer it.
How to Change Your Credit History: Simple Rules
Every channel has its advantages and disadvantages... But online service is one of the safest and cheapest ways to get poor credit personal loans in Stevens Point. Firstly, practically every online service doesn`t require a fee. Then, it is rather convenient to make a request sitting at home or using your tab if you are anywhere outside. You don't need to go to the bank and waste your time. At last, you have an opportunity to compare and choose the best online service offering better terms.
There are some services which can help to get the information about personal loans for people with poor credit. For instance, consider Bad Credit Loans. There you can find the lenders that can help to get a loan. Such sources are very popular nowadays. They bring together the customers and the creditors. But of course if one has a very negative credit history he or she will have to face with unattractive terms.
Such online services offer loans from $50 up to $35000. The loan period varies from 3 up to 72 months. But most services offer low amounts: maximum $1000 - $1500. Customers are more interested in receiving the following amounts: $500, $2000, $2500.
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The rate starts from 5.99% up to 35.99%. Of course these conditions are less more comfortable than one may have in a traditional bank. But it is very likely that a big finance institution will refuse you. The services will send you money practically immediately - the request will have an approval in 24 hours (for example, if you use Loan by Phone). Most of lenders will send you money at the same day. Veterans and pensioners can expect better rates terms.
If you want to receive more money you can use the service PersonalLoans.com. Some services don`t offer credits in Stevens Point (for example, Check into Cash).
All you have to do is to fill in the form. Fill in the more information about you as possible. The online calculator will count your interest rate.
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It is rather hard to get a credit in a big bank because it doesn`t want to face with high risks. But some small banks or online services specialize on such credits. That`s why their terms are more attractive.
The interest rate of personal loans with bad credit in Stevens Point depends on such characteristics as:
Securitization. You will get more money if your securitization is easy to sell expensive;
Credit score. It is more likely to get a cheap credit if you have a good credit history;
The loan amount and the period of credit. The terms depend on a lender;
Usage. If you do payments in time you won`t have the problems with the rate;
Deposit rate. If the bank has a low deposit rate you can expect a good credit interest rate.
For instance, the unsecured loans are more expensive for a lender because of a high-risk level. The secured loans are less risky.
There are several kinds of personal loans for people with bad credit available through services: personal installment loans, peer-to-peer loans, and bank personal loans.
The Ways to Get the Bad Credit Personal Loans in Stevens Point
There is an opinion: "Poor credit - no credit". But there are several ways to take personal loans with poor credit in the state. The first one is to open a credit card. Your capital will be secured in a special account with the same balance available to use on the card. The second one is to use a cash proposal. Some services have promotions: one can get $1000 easy cash and pay only about $100 a month. These terms are offered twice a year. One should be a member of such network for at least 6 months and pay a fee ($100).
If you need to receive money as soon as possible click the service Check into Cash. It will send you money immediately. But the sum is not big - up to 1 000 dollars.
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text:
Anderson pitches A's past Tigers to avoid ALDS sweep
OAKLAND, Calif. - These Oakland Athletics never count themselves out - down and doubted is their dogma.
Brett Anderson outdueled fellow postseason first-timer Anibal Sanchez and the upstart A's were stellar on defense all over the diamond, avoiding another playoff sweep by Detroit by beating the Tigers 2-0 Tuesday night in their AL division series.
The A's cut their deficit in the best-of-five matchup to 2-1.
Coco Crisp saved a likely home run by Prince Fielder with a leaping catch at the top of the center-field wall in the second - and the A's will play another day in this improbable season full of remarkable rallies.
Yoenis Cespedes hit an RBI single in the first inning and Seth Smith homered later. That was plenty on a night Triple Crown winner Miguel Cabrera, Fielder and the Tigers' high-priced offense were shut down by the low-budget A's.
Tigers 16-game winner Max Scherzer will try to close out the series in Game 4 Wednesday night against A's rookie A.J. Griffin. Detroit swept the A's in the 2006 AL championship series.
Fielder was the biggest victim of Oakland's spot-on defense, robbed three times. First by Crisp, Oakland's most experienced player whose Game 2 blunder on Cabrera's fly allowed two runs to score in a 5-4 loss Sunday in Detroit.
Crisp let out a big "Whoo!" after raising his arm to signal he'd made the grab. A's shortstop Stephen Drew made a tough play running to his left to stop Fielder's grounder in the fourth and then threw to first while still off balance and in motion.
Then, in the seventh, Cespedes cut over to make a diving catch on Fielder's liner to left field.
That delighted the yellow towel-waving sellout crowd of 37,090 in this blue-collar city.
After Cabrera singled with one out in the ninth, Fielder grounded into a game-ending double play.
The A's own the lowest payroll in baseball at $59.5 million. Fielder is getting big money in Motown: $214 million over nine years.
Anderson, back on the mound for the first time since straining a muscle in his right side Sept. 19 at Detroit, worked quickly and showed no signs of a layoff or jitters in his first postseason start.
That's just not the way the A's have operated this year.
Last week, Oakland entered its final three-game series of the regular season needing to sweep the two-time reigning AL champion Rangers to capture the AL West - and the A's did it, sending a stunned Texas team to the one-game wild card, which it lost to Baltimore.
A club with a majors-best 14 walkoff wins and countless whipped cream pie celebrations snapped the longest postseason skid in franchise history at six games.
"We've played a lot of games when we lost tough games and we've come back and won the next day," A's manager Bob Melvin said earlier. "We do have some history with that."
Anderson faced the minimum in three of his four innings, throwing 51 pitches through four.
Cabrera stepped to the plate to huge boos in the first, when he grounded out to second on the first pitch he saw to start a 1-for-4 day with a strikeout.
Detroit manager Jim Leyland knew he would need more from his hitters to win this one after Detroit scored only one run via hit in their first two games at home - on Alex Avila's solo home run in Saturday's 3-1 Game 1 victory.
"That's a little freaky, to be honest with you," Leyland said before Game 3.
The Tigers are trying to reach second straight AL championship series after losing last year's ALCS in six games to the two-time reigning AL champion Texas Rangers.
Detroit clinched the AL Central in Oakland last year and is hoping for another clinching party as soon as possible.
Anderson did his job to delay it.
He insisted he was healthy and ready to go - and Melvin took his pitcher at his word and gave him a shot in the biggest start yet. Anderson had shown plenty when he returned in August following a 14-month absence recovering from elbow-ligament replacement surgery and made six impressive starts.
He allowed two hits, struck out six and walked two in six innings. Then the reliable bullpen took over.
Ryan Cook pitched the seventh, Sean Doolittle struck out the side in order in the eighth and closer Grant Balfour finished the four-hitter. The A's staff pitched the 11th postseason shutout by the franchise, while the Tigers were blanked for the 13th time in the postseason.
The A's had lost five straight while facing elimination in the postseason, one shy of the longest active streak by the Twins.
But this group has defied expectations ever since the first full workout at spring training back in February when the A's lost third baseman Scott Sizemore to a season-ending knee injury.
Oakland became the first team in major league history to win the division or pennant after trailing by five or more games with fewer than 10 to go. The A's were five back of the Rangers with nine left, then won their final six all at home with sweeps of Seattle and Texas.
Smith hit a towering drive to the deepest part of center field in the fifth for yet another timely home run for the A's, whose 112 longballs after the All-Star break led the majors.
That was a big lift after Oakland struck out 23 times in the first two games. Melvin and hitting coach Chili Davis weren't concerned, saying Ks are part of the game with a power-hitting club.
Tigers pitching coach Jeff Jones paid Sanchez a mound visit after Cespedes' first-inning single, then the right-hander retired Brandon Moss on a called third strike and induced Josh Reddick's inning-ending double play.
Sanchez gave up five hits and two runs in 6 1-3 innings, struck out three and walked two.
NOTES: Smith hit his first postseason homer and third lifetime against Sanchez in 15 at-bats. ... At 24 years, 251 days, Anderson became the fifth-youngest pitcher in Oakland history to make his first career postseason start. ... Bert "Campy" Campaneris threw out the ceremonial first pitch 40 years to the day after he went 3 for 3 and scored twice for Oakland vs. the Tigers in a 5-0 ALCS win. ... Both Bay Area teams avoided elimination after the NL West champion San Francisco Giants won at Cincinnati earlier in the night. ... Oakland sold out for the eighth time this year and second straight - the regular-season finale vs. Texas drew 36,067 - including 1,000 standing-room only tickets and extra suite sales. It was the biggest crowd at the Coliseum since drawing 43,974 against the Yankees on Sept. 4, 2005, before the upper decks were tarped. ... Anderson threw seven strikes in an eight-pitch first inning.

subset: commoncrawl


text:
Oracle Audio Technologies Application 9i User Manual
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WASHINGTON – Working against a midnight deadline, negotiators for the White House and congressional Republicans narrowed their differences Monday on legislation to avert across-the-board tax increases.
Congressional officials familiar with talks between Vice-President Joe Biden and Senate Republican leader Mitch McConnell said one major remaining sticking point was whether to postpone spending cuts that are scheduled to begin on Jan 1.
Republicans want to replace across-the-board reductions with targeted cuts elsewhere in the budget, and the White House and Democrats were resisting.
At the same time, Democrats said the two sides were closing in on an agreement over taxes. They said the White House had proposed blocking an increase for most Americans, while letting rates rise for individuals with incomes of $400,000 a year and $450,000 for couples, a concession from President Barack Obama's campaign call to set the levels at $200,000 and $250,000.
Any overall deal was also likely to include a provision to prevent a spike in milk prices with the new year, extend unemployment benefits due to expire and protect doctors who treat Medicare patients from a 27 per cent cut in fees.
Both the House and Senate were on track to meet on the final day of the year, although there was no expectation that a compromise could be approved by both houses by midnight, even if one were agreed to.
Instead, the hope of the White House and lawmakers was to seal an agreement, enact it and send it to Obama for his signature before taxpayers felt the impact of higher income taxes or federal agencies began issuing furloughs or taking other steps required by spending cuts.
Regardless of the fate of the negotiations, it appeared all workers would experience a cut in their-home pay with the expiration of a two-year cut in payroll taxes.
Officials who described the negotiations did so on condition of anonymity, citing the confidential nature of the discussions.
A spokesman for McConnell, Don Stewart, said the Kentucky lawmaker and Biden "continued their discussion late into the evening and will continue to work toward a solution." Underscoring the flurry of activity, another GOP aide said the two men had conversations at 12:45 a.m. and 6:30 a.m. Monday.
Unless an agreement is reached and approved by Congress by the start of New Year's Day, more than $500 billion in 2013 tax increases will begin to take effect and $109 billion will be carved from defence and domestic programs
Though the tax hikes and budget cuts would be felt gradually, economists warn that if allowed to fully take hold, their combined impact — the so-called fiscal cliff — would rekindle a recession.
"This whole thing is a national embarrassment," Sen. Bob Corker, R-Tenn., said Monday on MSNBC, adding that any solution Congress would swallow at this late stage would be inconsequential. "We still haven't moved any closer to solving our nation's problems."
In a move that was sure to irritate Republicans, Reid was planning — absent a deal — to force a Senate vote Monday on Obama's campaign-season proposal to continue expiring tax cuts for all but those with income exceeding $200,000 for individuals and $250,000 for couples.
In one sign of movement on Sunday, Republicans dropped a demand to slow the growth of Social Security and other benefits by changing how those payments are increased each year to allow for inflation.
Obama had offered to include that change, despite opposition by many Democrats, as part of earlier, failed bargaining with House Speaker John Boehner, R-Ohio, over a larger deficit reduction agreement. But Democrats said they would never include the new inflation formula in the smaller deal now being sought to forestall wide-ranging tax boosts and budget cuts, and Republicans relented.
"It's just acknowledging the reality," Sen. Susan Collins, R-Maine, said of the GOP decision to drop the idea.
There was still no final agreement on the income level above which decade-old income tax cuts would be allowed to expire. While Obama has long insisted on letting the top 35 per cent tax rate rise to 39.6 per cent on earnings over $250,000, he'd agreed to boost that level to $400,000 in his talks with Boehner. GOP senators said they wanted the figure hoisted to at least that level.
Senators said disagreements remained over taxing large inherited estates. Republicans want the tax left at its current 35 per cent, with the first $5.1 million excluded, while Democrats want the rate increased to 45 per cent with a smaller exclusion.
The two sides were also apart on how to keep the alternative minimum tax from raising the tax bills of nearly 30 million middle-income families and how to extend tax breaks for research by business and other activities.
Republicans were insisting that budget cuts be found to pay for some of the spending proposals Democrats were pushing.
These included proposals to erase scheduled defence and domestic cuts exceeding $200 billion over the next two years and to extend unemployment benefits. Republicans complained that in effect, Democrats would pay for that spending with the tax boosts on the wealthy.
"We can't use tax increases on anyone to pay for more spending," said Sen. Kay Bailey Hutchison, R-Texas.
Both parties also want to block an immediate 27 per cent cut in reimbursements to doctors who treat Medicare patients. Republicans wanted to find savings from Obama's health care bill as well as from Medicare providers, while Democrats want to protect the health care law from cuts.
Eds: Associated Press writers David Espo, Julie Pace, Robert Burns and Josh Lederman contributed to this report.


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Where Is The God Of Justice?
If you prefer to download and listen to the sermon later, right click on the "Download" link and select "Save target as.." then select a folder to save to. After the file has downloaded you can transfer it to a portable audio player (i.e. Ipod), burn it to a CD, or listen to it on your computer at a later time.


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text: Back For Seniors: How About Losing Weight Today? Much to our dismay, it is quite common for people to gain weight as they age. Some of the gain is unavoidable, because as your body ages, body fat increases as lean muscle mass and bone mass decrease. Body fat doubles over the five decades from age 25 to age 75. Body weight increases until you reach age 60, when it begins to decline. Less lean body mass needs fewer calories to maintain, and a more sedentary lifestyle that often accompanies aging also requires fewer calories. Because of these reasons, daily caloric needs fall by about 20 percent from age 30 to age 80. If you continue to eat the same amount of food that you did when younger, you will gain weight. The most effective method for losing weight is familiar: Exercise to burn calories and to build and maintain muscle, and/or limit the intake of calories. Be active Health experts suggest to prevent weight gain you get at least 30 to 60 minutes of physical activity (intense enough to make you breathe harder) on most days of the week, and 60 to 90 minutes per day for weight loss and maintaining weight loss. You don't have to get all the exercise at one time; 10 minutes of activity at a time is fine. Just make sure your exercise sessions add up to the total recommended minutes on most days. This can be achieved with activities such as walking, gardening, dancing, and even cleaning the house or car. Activities such as walking, biking, and swimming are good for burning calories. Exercise, particularly strength-training routines that require you to lift or push weights, done two to three times a week, replace fat with muscle. This is important because muscle burns more calories than fat does. Balance and flexibility (stretching) exercises are also important because they help prevent falls. Eat smart When thinking about how to change your eating habits, remember that one pound of body weight contains about 3,500 calories. To lose a pound a week, you would need to cut back on your calories by about 500 calories a day. A balanced diet of fruits, vegetables, and whole grains can be particularly beneficial for people trying to lose weight. The USDA recommends the following for healthy people: Eat five or more servings of fruits and vegetables and six or more servings of grain products every day. Avoid foods high in saturated and trans fats. Saturated fats are found in whole milk products and fatty meats; trans fats are found in fried foods and margarine. Also avoid high-calorie, low-nutrition foods like candy and soft drinks. Your fat intake should be 20 to 35 percent of your total daily calories; only 10 percent of your total daily calories should be from saturated fat. Keep trans fats as low as possible. About 45 to 65 percent of total calories should come from carbohydrates. Fruits, vegetables, whole grains, and milk products contain carbohydrates, and they all are important to a healthy diet. The CDC recommends that you consume less than 2,300 mg of sodium per day. (One teaspoon of salt contains 2,300 mg.) Please note that the American Heart Association recommends a daily sodium target of less than 1,500 mg a day. Eat fish, legumes (beans), skinless poultry, lean meats, and low-fat or nonfat milk products regularly. Don't ignore your water intake As you age, your sense of thirst diminishes. Because you may not feel thirsty, you may forget to drink water, which can lead to mild dehydration. A fever or other illness, or hot weather, can lead to severe dehydration. To prevent dehydration, drink water regularly, even if you don't feel thirsty. Remember to talk with your health care provider before starting any new fitness or weight-loss plan.


text:
NEW YORK — Hillary Rodham Clinton's "Hard Choices" sold more than 100,000 copies during its opening week, its publisher told The Associated Press on Wednesday.
"We're elated," said Simon & Schuster's president and publisher, Jonathan Karp, who declined to offer a more specific sales figure. "This book is on a trajectory to be the best-selling nonfiction book of the year."
"Hard Choices" sold well enough to top the nonfiction list of Nielsen BookScan, which tracks industry sales. But its debut was also far slower than that for her previous memoir, "Living History, which sold around 600,000 copies during its first week. One likely difference: "Living History," published in 2003, included her first extended comments on the affair between President Bill Clinton and White House intern Monica Lewinsky. Anticipation for "Hard Choices," which covers her four years as secretary of state, focused more on whether it would include any hints that she was running for president. "Hard Choices," which also included little about her contentious primary campaign against Barack Obama in 2008, ends with Clinton saying she is still undecided about seeking the presidency again.
Karp noted another possible reason that first-week sales were stronger for "Living History": It was a memoir by a former first lady as opposed to a book about being secretary of state.
"First lady memoirs are always immense and immediate best-sellers," said Karp, who cited books by Barbara Bush and by Laura Bush.
Both of Clinton's memoirs have received mixed reviews, although that has not discouraged her most devoted fans. Some have been so anxious to see Clinton at one of her bookstore appearances that they have camped out on sidewalks the night before. But compared with "Living History," the new book came out in a far more difficult environment for nonfiction releases, which still sell primarily through paper editions. Since 2003, the Borders superstore chain has shut down and Barnes & Noble has been cutting back its physical presence. E-books, virtually nonexistent in 2003, are now around 30 percent of the market, and often much higher for fiction.
"There are fewer places to buy books," said Karp, who added that the "solid majority" of sales for Clinton's 680-page memoir have been for the hardcover. "And 'Hard Choices' is the kind of nonfiction that tends to sell better in printed form because people like to have it on their shelves and go back and refer to it."
Simon & Schuster has said the initial print run for "Hard Choices" was over 1 million copies, similar to the pre-publication total for "Living History." Karp said he was confident "Hard Choices" would sell out its first printing because "Clinton looms so large as a figure on the world stage."
"We believe we will be selling this book in hardcover for years," he said.
As of Wednesday afternoon, "Hard Choices" was No. 4 on the best-seller lists for both Amazon.com and Barnes & Noble.com.


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text:
Conrad Bain of 'Diff'rent Strokes' dead at 89
NEW YORK (AP) — Conrad Bain, a veteran stage and film actor who became a star in middle age as the kindly white adoptive father of two young African-American brothers in the TV sitcom "Diff'rent Strokes," has died.
Bain died Monday of natural causes in his hometown of Livermore, Calif., according to his daughter, Jennifer Bain. He was 89.
The show that made him famous debuted on NBC in 1978, an era when television comedies tackled relevant social issues. "Diff'rent Strokes" touched on serious themes but was known better as a family comedy that drew most of its laughs from its standout child actor, Gary Coleman.
Bain played wealthy Manhattan widower Philip Drummond, who promised his dying housekeeper he would raise her sons, played by Coleman and Todd Bridges. Race and class relations became topics on the show as much as the typical trials of growing up.
Coleman, with his sparkling eyes and perfect comic timing, became an immediate star, and Bain, with his long training as a theater actor, proved an ideal straight man. The series lasted six seasons on NBC and two on ABC.
In the show's heyday, Bain didn't mind being overshadowed by the focus on the show's children. He praised Coleman and Bridges as natural talents without egos.
But "Diff'rent Strokes" is remembered mostly for its child stars' adult troubles.
Coleman, who died in 2010, had financial and legal problems in addition to continuing ill health from the kidney disease that stunted his growth and required transplants. Bridges and Dana Plato, who played Bain's teenage daughter, both had arrest records and drug problems, and Plato died of an overdose in 1999 at age 34.
Bain said in interviews later that he struggled to talk about his TV children's troubled lives because of his love for them. After Bridges started to put his drug troubles behind him in the early 1990s, he told Jet magazine that Bain had become like a real father to him.
Bain went directly into "Diff'rent Strokes" from another comedy, "Maude," which aired on CBS from 1972 to 1978.
As Dr. Arthur Harmon, the conservative neighbor often zinged by Bea Arthur's liberal feminist, Bain became so convincing as a doctor that a woman once stopped him in an airport seeking medical advice.
At a nostalgia gathering in 1999, he lamented the fading of situation comedies that he said were about something.
"I think they got off the track when they first hired a standup comic to do the lead," he said. "Instead of people creating real situations, you get people trying to act funny."
Before those television roles, Bain had appeared occasionally in films, including "A Lovely Way to Die," ''Coogan's Bluff," ''The Anderson Tapes," ''I Never Sang for My Father" and Woody Allen's "Bananas." He also played the clerk at the Collinsport Inn in the 1960s television show "Dark Shadows."
A native of Lethbridge, Alberta, Canada, Bain arrived in New York in 1948 after serving in the Canadian army during World War II. He was still studying at the American Academy of Dramatic Arts when he acquired his first role on television's "Studio One."
A quick study who could play anything from Shakespeare to O'Neill, he found work in stock companies in the United States and the Bahamas, making his New York debut in 1956 as Larry Slade in "The Iceman Cometh" at the Circle in the Square.
With his plain looks and down-to-earth manner, he was always cast as a character actor.
It was an audition for a role in the 1971 film "Cold Turkey" that led Bain to TV stardom. He didn't get the part but "Cold Turkey" director Norman Lear remembered him when he created "Maude."
Conrad Stafford Bain attended high school in Calgary, Alberta, Canada, deciding on his life's work after an appearance as the stage manager in a high school production of "Our Town."
He married artist Monica Sloan in 1945. She died in 2009. He is survived by three children: Jennifer, Kent and Mark.
Associated Press writer Bob Thomas in Los Angeles contributed to this report.


text:
NEW YORK (AP) — Facebook, the company that turned the social Web into a cultural and business phenomenon, is worth as much as $95 billion, according to the price range for its upcoming initial public offering of stock.
Facebook's IPO, expected in a couple of weeks, would be the biggest ever for an Internet company. Facebook disclosed the price range of $28 to $35 per share in a regulatory filing Thursday.
At the high end, Facebook and its current shareholders could raise as much as $13.58 billion — far more than the $1.9 billion raised in the 2004 offering for current Internet IPO record-holder Google Inc. The IPO valued the company at $23 billion. Google is now worth about $200 billion.
Facebook Inc.'s IPO has been highly anticipated, not just because of how much money it will raise but because Facebook itself is so popular. The world's largest online social network has more than 900 million users.
CEO Mark Zuckerberg, who turns 28 this month, has emerged as a wunderkind leader who's guided Facebook through unprecedented growth from its scrappy start as an online hangout for Harvard students.
Facebook's offering values the company at $76 billion to $95 billion, based on the expected number of Facebook shares following the IPO. That's about 2.74 billion, according to Renaissance Capital, an IPO investment adviser. The value is set by multiplying the number of shares by the expected stock price.
Facebook's next step is an "IPO road show," where executives talk to potential investors about why they should invest in the stock. On Thursday, Facebook posted a version of its road show online, with appearances from Zuckerberg; Chief Operating Officer Sheryl Sandberg; finance chief David Ebersman and other executives. The company said that putting the road show online was consistent with its focus on "authentic, engaging information."
"We think people's lives will be better and really that the whole world will function better when there is more information and understanding out there," Zuckerberg says in the video, wearing a T-shirt and jeans as he usually does.
One of the most eagerly anticipated IPOs in history, Facebook's was preceded by those from smaller social Web companies such as professional networking service LinkedIn Corp. and online game maker Zynga Inc.
Facebook's stock is expected to price on May 17 and make its public trading debut on May 18. Facebook plans to list its stock on the Nasdaq under the symbol "FB."
The actual price could be higher or lower than Facebook's given range, depending on investor demand. Online reviews site Yelp Inc., for example, set a price range of $12 to $14 and priced at $15 when it went public in March.
If Facebook ultimately prices at its stated maximum of $35 per share, the IPO would raise $11.8 billion. But underwriters are likely to sell extra stock reserved for overallotments, given the excitement surrounding the IPO. That would bring the IPO to $13.58 billion.
The midpoint of the expected deal size, without the overallotments, is $10.63 billion. That would put Facebook just a hair above AT&T Inc., at No. 5, when it comes to the largest-ever U.S. IPOs.
Despite the frenzy surrounding Facebooks offering, not all IPO watchers are impressed. Francis Gaskins president of IPOdesktop.com, said Facebook's growth is "obviously slowing down" based on its most recent earnings report, for the January-March quarter.
While first-quarter revenue grew 45 percent from a year earlier to $1.06 billion, it declined 6 percent from the fourth quarter.
"The company is entering a maturation process," Gaskins said. "I think their core business slowed more than they thought for the past four months."
Zuckerberg, who founded Facebook in his dorm room in 2004, will keep tight control over the company even after the IPO. He will control 57.3 percent of the company's voting power, through stocks he owns or because other shareholders have promised to vote his way through shares that they own. This means he will have final say over the biggest decisions facing the company even after it goes public.
Zuckerberg will likely own about 31.5 percent of Facebook's outstanding stock after the IPO. At the high end of the expected IPO price range, his holdings will be worth $17.6 billion. This would put him at around No. 33 of the Forbes list of the world's richest people, above the likes of Dell Inc. CEO Michael Dell and Microsoft Corp. CEO Steve Ballmer.
Zuckerberg is offering 30.2 million shares in the IPO and plans to use the proceeds to cover taxes. Other stockholders offering shares include early investors such as James Breyer of the venture capital firm Accel Partners, who's offering 38.2 million shares. Peter Thiel, a PayPal co-founder-turned venture capitalist who first invested in Facebook in 2004, is offering 7.7 million.
Facebook's expected valuation will easily surpass well-known corporations such as Kraft Foods Inc. and Ford Motor Co. The amount Facebook is trying to raise in the IPO would slot it among the world's 25 largest IPOs, although as recently as November 2010, General Motors raised $15.8 billion when it shed majority control by the U.S. government.
Among the IPOs that rank higher than Facebook's, according to Renaissance Capital, are Visa Inc.'s $17.9 billion IPO in March 2008, the largest for a U.S. company, and world-topper Agricultural Bank of China Ltd., which raised $19.3 billion in July 2010. These figures do not include extra shares issued to meet demand.
AP Business Writer Sarah Skidmore contributed to this story from Portland, Oregon.


text:
What to Watch: A tale of two 'CSI' shows
On TV
"In Vino Veritas" is part one of a "CSI"/"CSI:NY" crossover, which will conclude Friday. Mac Taylor visits "CSI" when he travels to L.A. to visit his girlfriend, whom he discovers has disappeared. The cast of "CSI" is called in to investigate, though what they should really investigate is how anyone could not know their significant other is missing in a world with texting, Skype, and mobile updating of Facebook and Twitter. CBS 10 p.m. EST.
Trending topic
Walt Disney CEO Bob Iger announced yesterday that the company has planned both spin-off movies and sequels for the newly acquired "Star Wars" franchise. According to Entertainment Weekly, the company plans to release three sequel films, one every three years starting in 2015. The spin-off movies will be released in between sequels.
Director J.J. Abrams will direct the next movie in the "Star Wars" series. Writers for the movie and planned spin-offs include Lawrence Kasdan, who co-wrote "Return of the Jedi," and Simon Kinberg, who has worked on various films in the "X-Men" franchise.
Hot video: Cat replaces iron after Monopoly's "Save Your Token" campaign
GateHouse News Service


text:
Benghazi blues
Once again, I'm feeling out of step with the world because I'm not blind with outrage over Benghazi.
An outraged reader wrote me the other day, asking how I could even think about running an editorial about the Bangla Desh T-shirt factory collapse instead of Benghazi. A columnist I often run, Deroy Murdock, offered up a piece calling Benghazi "the worst cover-up since Watergate." I took a pass; the whole notion just seemed silly to me.
U.S. embassies and consulates are attacked all the time; I count 27 such attacks since 1987. I've been in some U.S. embassies in the Middle East that are designed like fortresses; we've spent billions of dollars fortifying them since two embassies were blown up in 1998. Representing American interests abroad is a dangerous business, especially in a place like post-Kadhafy Libya, especially when a major CIA installation is on the same property as the consulate, as in Benghazi. I regret the loss of life, but Congress isn't going to write a blank check to turn every diplomatic mission into Fort Knox or station a brigade of Marines around every mission that could be threatened. Did the State Department make a mistake in not seeing this coming? Sure. Do we expect them never to make mistakes?
And Susan Rice lied – under instructions from the Director of National Intelligence. Big deal. The CIA lies all the time. The details are arguable: There really were riots in other countries over the stupid YouTube video, so it was appropriate for both Rice and Obama to address the topic. But of course there was political spinning going on six weeks before the election – by both sides, of course. We should still be outraged by this six months later, not over the threat to U.S. diplomats but about what Susan Rice said on Meet the Press?
What outrages me is the sputtering Republicans make no pretense of being interested in how to avoid another embassy attack. They aren't rushing to spend more money on diplomatic security, or identifying vulnerabilities before the next riot outside the walls. All they do is look backwards. Their political motivation is undisguised: it's all about inflicting damage on an ex-secretary of state who may run for president three years from now.
Meanwhile, the shameless President Hamid Karzai just admitted that the CIA has been piling millions of dollars in cash on his desk for a decade. And he admits to using it to bribe Afghan warlords to keep him in office. Meanwhile, the UN just reported Afghanistan's opium crop has risen dramatically for the third year in a row. Afghanistan is now projected to supply 90 percent of the world's opium and 70 percent of the world's heroin.
As I say in an editorial running Sunday: "This is the kind of nation we have built, at an enormous cost in lives and treasure: A narco-kleptocracy, fueled by bribes distributed by a president who can rent – never buy – the loyalty of his country's leaders, and who expects the American taxpayers to foot the bill – in cash."
Why isn't anyone else outraged about that?


text:
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text:
Rebuilding Indexes Every Sunday Afternoon !! October 28, 2009Posted by Richard Foote in Index Rebuild, Oracle Indexes, Richard's Musings.
I just had to share this amusing article on "Scheduling Oracle Index Rebuilding".
Regular readers of this blog can no doubt pick the various inaccuracies and strawman arguments with this article. It's was nice however to reminisce and take a stroll down memory lane back to the 80's and 90's when many DBAs indeed did spend every Sunday afternoon rebuilding indexes and the such during so-called maintainance windows.
However, if you're like me and now work on sites where there is no such Sunday maintainance window because your users actually require and demand 24 x 7 access to their applications, because organisations still want to sell their products and services online during Sunday afternoons, because governments still want border control applications functioning on Sunday afternoons, because consumers still want access to their bank savings on Sunday afternoons, because police still need to access critical information about possible criminal activities on Sunday afternoons, because airlines still want to fly aircraft on Sunday afternoons, etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. etc. ……..
then perhaps the article may not be that useful to you afterall.
Of course, maybe you do have a maintainance window of some description but then have that other really annoying problem associated with modern databases, of them being big, really really big and so more difficult to maintain. Back in the 80's and 90's, databases were relatively small by todays standards and it was conceivable for indexes to be rebuilt with little or no thought. There was generally little point, but at least you could get away with it. However, if you're like me and you have databases with indexes that total in the many terabytes, it just isn't feasible or practical to rebuild all such indexes, even if you wanted to.
No. If you do have a maintainance window, you may want to make sure the valuable time is spent well, on activities that actually make a difference.
Of course you may also look after databases like I do where the percentage of indexes that actually benefit from a rebuild is not around 30% as suggested by the article but significantly below 1%. Therefore rebuilding 99+% of indexes for no practical gain or purpose may not be considered a "wise" use of maintainance opportunities.
One thing this article did make me ponder though is the number of database sites out there where the DBAs demand and force their businesses and associated end-users into having forced downtimes, into having their applications and business processes impacted and made unavailable (say) every Sunday morning, not because it's actually necessary or because there's a business or technical benefit but just because their DBAs say or think they still need to follow the processes and maintainance activities of the 80's and 90's. Interesting question that …
One last point I would make with this article (which BTW will change and be modified in the future, I can guarantee that, just save a copy and see). Why would you bother with validating the structure of all indexes if you plan to rebuild them all anyways ? And who is the more inept ? Someone in the Netherlands who attempts to run a script that attempts to validate structure of all indexes or someone who writes a script to validate structure indexes with an ALTER INDEX command 😉
Personally, I spend every Sunday afternoon relaxing and enjoying the weekend, playing sport, perhaps doing a bit of gardening and on a lovely sunny day, just sitting back with family and friends enjoying a barbecue and a few cold beers.
Meanwhile, all my database applications just run on happily along with no impact on business activities at all …
- 1. Andy - October 28, 2009
You are so wrong, Richard.
Didn't you read that part of the article that reads "the latest consensus on index rebuilding"? Since it is 'latest' and it is a 'consensus', that means you are … outdated and … outnumbered. :p
He even has a 'common definition for 'unbalanced-index". *cough*
By the way, I have saved a copy of that page, as per your instruction. Am waiting for the article to be 'updated silently' … :p
- Andy - October 28, 2009
I propose all the web sites be built on Oracle with flashback turned on so that we all have past references at our fingertips …. :p
- 2. dbafred - October 28, 2009
Heh Heh.
You should know by now, that guy only talks garbage. It's amazing that he still gets away with it.
I have to confess, I don't rebuild my indexes on Sunday afternoons… or the rest of the week. Can I still call myself a DBA? Please? 🙂
- Andy - October 28, 2009
Too bad I never had a chance to experience such nice index-rebuilding Sunday. All of those huge DB I have supported are built on IOT and very little real indexes to play with. Maybe Burleson can lend me his production DB for a rebuild exercise ….
- chris - October 29, 2009
Not tuesday, but I used to work for a company with a strict rule that the latest point in time during the week for any releases/upgrades or maintanance was thursday afternoon, primarily because no one wanted to spend all weekend at the office if something went wrong , and most of our activity was at the weekend anyway.
Anyway I'm not qualified enough to rebuild indexes as my (almost) degree in physics doesn't qualify me as a database professional.
- 3. RAJ - October 28, 2009
but then he did not even need any big downtime or maintenance windo if he rebuilds all the index with online option because he is "World's top Oracle DBA" to adminster any Oracle database lower than Enterprise Edition would be demaning to his skills 😉 🙂 🙂
- Nigel - November 24, 2009
Well, unless using FORCE_LOGGING, then one could rebuild NOLOGGING, surely? No redo (to speak of) then.
This thread's turned into a slagging-off of DKB… AGAIN!!!
FFS: get the BBQ lit, open a tube and chill!
- 7. Marcin Przepiorowski - October 28, 2009
This is a feedback from OTN forum discussion. It's pity that Mr Burleson cut only very very tiny part of it as a example that other people do that same – but Hemant AFAIR was writing about special case which can be included in Richard 1 % of indexes which required that kind of operation.
- Marcin Przepiorowski - October 29, 2009
This is a point.
If you know why you have to rebuild your index and you can't do anything else due to 3rd party code – do it.
In my opinion Hemant should ask Mr Burleson to remove this quotation from his article – this is something which has been cut off from whole discussion without any additional comments.
- Hemant K Chitale - November 27, 2009
I didn't know that Burleson had quoted my posting on forums. I've updated my forums posting with a clarification.
That "I have scheduled weekly rebuild" is for the indexes on a specific table (and I have found only 3 such tables whose indexes might behave in that manner). So it is less than the 1% of cases.
Other likely needs for a Rebuild are also posted on my blog. So I have added links to those posts in my update on forums.
Hemant K Chitale
- Hemant K Chitale - December 2, 2009
Since I updated my forums posting, I see that Mr Burleson, too, has updated his article. He adds "However. Hemant notes that scheduling an index rebuild was a rare case for him and the root cause for the scheduled rebuild was an unresolved Oracle bug" and then quotes me ""I do not recommend rebuilding of ALL indexes weekly. This was a specific table …."
So I'll give him credit for that !
- 8. Brian Tkatch - October 28, 2009
Do you really need to waste time pointing out these issues. Get back to the good stuff! 🙂
- 9. Ajit - October 29, 2009
I just read an OTN thread where this Burleson goes on and on abusing Jonathan Lewis, calling Lewis a godless heathen who quotes Carl Sagan, that he has no experience and hence no right to call himself an expert and all sorts of nuttiness.
A very strange man..
But the guy seems to be good in Google optimization. Whenever you query something related to Oracle his website (or one of his numerous websites) pops up at the first page, sometimes at the top of first page on Google.
He should stick to Google optimization and stop wandering into Oracle world like a drunken elephant damaging everything on it's path and also misleading most junior DBAs. Many junior DBAs probably read him and believe what he writes.
But once they become veterans of 1 or 2 years in Oracle , I doubt they take him seriously.
- 10. PdV - October 29, 2009
I'm with Brian.
(and with Coskan on redo, and with Uwe on effort and management-bs and quality. But mainly with Brian.. tired of this yes-no game – get on with the important stuff)
Mud sticks, even to those who point out where the mud comes from.
Btw: sorry to have to miss your seminar in Paris, but I'm not in the neighborhood. Some other time perhaps.
- 11. Greg Rahn - October 29, 2009
The good news is this: There may be a time where indexes on some databases are no longer required. Then these folks will have to find something else to waste their time on.
"We saw significant improvements in the tests we did on Exadata. The minimum improvement was 27x with an average of 470x improvement on the queries we tested compared to our current system. This was achieved with no tuning and after removing all indexes. In fact, eliminating indexes is going to save us on half the disk capacity." — Mark Win, Director
- 12. Mark Brady - October 29, 2009
Instead of all the bashing (which I do enjoy some), I have a serious question.
It's one thing to rebuild an existing index but Burlson says,
"DBA – The DBA will apply patches, reanalyze optimizer statistics, add histograms and reorganize tables and rebuild indexes.
It's malfeasance for a DBA to not use the downtime windows to perform database administration tasks."
Why would one just slap on histograms to a production database? Couldn't there be serious repercussions to explain plans. Why would one consider that an "administrative" task? Typical "administrative", in this sense, mean perfunctory, not investigatory problem solving.
Also, isn't there real risk to a rebuilt index causing delays in inserts? the empty space eliminated may be needed again and cause an insert to wait for a block split? He says it's ok because there's either some improve or no improvement but never anything bad. That's not completely true. Any change, every change could make things better, the same, or worse. Are there really any production changes with zero risk?
I don't pretend to be an expert but these are just my observations.
- Greg Rahn - October 29, 2009
- Mark Brady - October 29, 2009
Exactly my point. I made a totally innocuous change, added a view, broke a process. How could a view that didn't exist and now does break something.
USER_TAB_COLUMNS contains columns for views, not just tables as the name suggests. Add a view when you're expecting only tables and it breaks… yes, yes, should join to user_tables. We know that…….. now.
- Centinul - November 3, 2009
Thanks for posting the link to that presentation. It was an excellent presentation. Concise. Simple. Easy to understand.
Thanks again!
- 13. Niall Litchfield - October 29, 2009
I'm quite impressed with an article that in paragraph 1 can link to itself. I like recursion me. (Now wash your hands notices anyone). The thing I've never got about the 'zero cost' activity is why you would be arranging to do it in a maintenance window at all. Maintenance windows are for necessary but costly activities (rather than unnecessary but costless ones!).
Oh and the article has already changed since it's been published, and refuted, previously.
- Niall Litchfield - October 29, 2009
Indeed, that's why you want maintenance windows to be planned (so it isn't an unexpected cost) and infrequent. In addition when I was responsible for managing E-Business suite (for which the answer to every problem is a new patch 😦 ) we arranged downtime windows once a month, and then had a system of notifications if we were actually going to use them. This was rather better than the previous 'system' where every dept (HR,Finance etc) determined that they needed a downtime *right now* to fix a *critical* business issue, and IT got all the flak for the system being 'down again'. Entertainingly the number of critical issues fell by approximately 60% when people knew they had to a) wait till the scheduled window and b) had to explain to the rest of the business what the business driver was.
So I'm all in favour of maintenance windows, especially those that don't get used, the maintenance though has to have a business case (yes a real one with costs and benefits attached).
As for the mental image, well I know that you are a musical man of taste and judgement so I thought it only fair 😦
- 14. Noons - October 29, 2009
Sunday afternoons must be really boring down there, if rebuilding indexes is the highlight…
- 15. David Aldridge - October 29, 2009
The horrible grammatical and spelling errors alone make the article (in its current form) a real hoot.
- 17. SeánMacGC - October 29, 2009
Thanks for that Richard, that article really is a scream, though I haven't yet worked out whether that's in the excruciatingly horrifying or excruciatingly comical sense. Perhaps both, if you can't laugh…
- 19. Ben Burrell - October 30, 2009
A few years ago, I picked up a book on tuning by old Don as it was going for 2 quid in one of those second rate book stores. I must say that I was horrified by most of it's content (not that I anywhere near finished it). This was around the same time that I was reading Tom Kyte's Expert Oracle Database Architecture, so you can imagine the difference!
However, I have found one good thing to come from his 5 million page website(s)…
On a Friday morning everyone is given 5 minutes to find the most outrageous quote they can from the 'great' man – that becomes the quote of the day and you have to use it as much as possible, that quote can not then be used again.
Try it, it brightens the end of each week!
- Neil Johnson - November 14, 2009
A few years ago I started with a new employer. There was a Rampant book by Mr Burleson that was handed on to me as the new starter to litter my desk. I sat there unopened for over a year until one day we had Jonathan Lewis on site to dig us out of a hole. I didn't really get to speak with him until during a stroll around the office he wandered my way, saw the book and asked me how I'd found it! Dammit, if only "Practical Oracle 8i" hadn't been at home on the bedside table! 🙂
- 20. Kevin - October 30, 2009
I'm now with you on "certain matters" (your point 9 response). Thank you for this article Richard (and many others!), I'll be more selective with my google search results from now on.
- 21. Log Buffer #167: a Carnival of the Vanities for DBAs | Pythian Group Blog - October 31, 2009
[…] Foote and his readers discuss another time-based ritual of old, rebuilding indexes every sunday afternoon. "I just had to share this amusing article on 'Scheduling Oracle Index […]
- 22. Fahd Mirza - November 1, 2009
Foote, you are doing a service. Actually its extremely necessary to expose such misleading authors and their articles.
I tell you from experience that hundreds of thousands of people get misled through the author and his article you mentioned. Especially in countries where the only way to get Oracle information is Internet, the searches for many terms go to Mr. Don's site, because he spends more time in SEO of his site, and has filled it with every imaginable Oracle keywords.
Back in 2003, when I was just 1 year old in Oracle DBA, fresh from Oracle University, I got misled by the same author sometimes and still know many who still follow his articles, because they simply DONT KNOW. I make my own humble efforts to redirect them to asktom or such sites.
Is it a way to tell Google which content is right and which is wrong?
- Nayab - November 4, 2009
This is what I have been doing from last several years.
In google.com you can actually filter results like this.
oracle index -burleson
Google will filter out all the results where it finds "burleson" .
Or like this
oracle index -dba-oracle.com
oracle index -dbaforums.org -dba-oracle.com
Hope this helps.
- Mark Brady - November 25, 2009
Nayab reminded me that Google gives you a way of defining your own search … parameters… you can include the sites you want to search… not sure if there's a way to just ignore sites and search the rest of the internet. I'll try it… see what it takes to share the list editing with others.
we could pass that around the community.
- 23. Stellios - November 4, 2009
Thanks for the tip Nayab. I've been darting around those urls for years to try and decrease the rank order now I don't even have to see them.
- Niall Litchfield - November 25, 2009
Hi, I like some of the changes even more, especially the link to the SAP guy at http://www.sdn.sap.com/irj/scn/weblogs;jsessionid=(J2EE3417400)ID0437089950DB00792386764563478157End?blog=/pub/wlg/8750%3Fpage%3Dlast who doesn't want material reproduced outside the SAP domain and uses a queue table for his example, which is to say the least a somewhat specialized, though not uncommon, scenario. In addition I'd have thought his comment that "I am not recommending blindly rebuilding indexes" and "we rebuild indexes following large purges" and "you should know what effect you are intending to achieve" all somewhat run counter to the tenor of Don's article. There's a moral here somewhere, something about what to do when in a hole, methinks. 😦
- Andy - November 26, 2009
Hey! I knew the original article I kept will come in handy one day! :p
I'm going to auction it at EBay. Any buyer? :p
- 26. J. - November 26, 2009
Thanks for cool article i think is worth service. I am not oracle veteran and i sometimes find – via google of course – some cool dons tips with which i disagree. And sometimes i am thinking who is wrong me or this dba guru ;).
Latest topic with which i disagree found on this web was that histogram is good only for columns with indexes :-).
Thanks again.
- 28. Niall Litchfield - November 27, 2009
Now you've gone and done it Richard, the next version will no doubt have text that says something like "in this discussion we see Oracle Scientist Richard Foote recommending index rebuilds".
- Andy - November 28, 2009
Sounds like I have to take a snapshot of the current version. I'm going to be rich!
- Andy - December 9, 2009
Really? Just repeat saying it and it will come true?
Let me try ….. I'm going to be rich … I'm going to be rich … I'm going to be rich …. [ with a full collection of 'B'-grade web articles ….]….
- 30. Andy - December 9, 2009
Dang! That means I can't retire next year… how sad 😦
By the way, the 'B' in "'B'-grade" is the first alphabet of the name of the highly acclaimed author, not the rating itself 😉
- 31. Andy - December 10, 2009
After much deliberation, I have decided to classify those articles as 'D-grade' articles. 'D' is also part of the initial, but it sure sounds much better 😉
D-grade ….. D-grade … Degrade ….
- 32. Niall Litchfield - December 11, 2009
nc-17, I would have thought myself. North Carolina revision 17.
- Andy - December 15, 2009
Hi Niall,
Excellent Wikipedia link 😉 Definitely all of those D-grade articles are not suitable for children under 17. If you think about it deeper, it should not even be NC-17. It should be NC-70. But according to one particular Oracle Expert, any opinion written by anyone who does not publish his/her CV/credentials cannot be trusted. :p
- Andy - December 14, 2009
17 revisions so far? I hope they are using some sort of source code control system to manage them 😉
- Niall Litchfield - December 14, 2009
andy and richard. I'll admit the number 17 wasn't chosen entirely at random 🙂 wikipedia might tell you why http://tinyurl.com/ydzvnn5
- 33. Howler_Fish - December 11, 2009
I know this is slightly off topic, but I read the article and this heading leapt out at me.
"Keeping dangerous techniques out of the hands of inapt DBA's"
I suspect that the phrase was meant to be inept. But it set me to wondering where a DBA would be inapt, and why you would only want to keep a technique out of their hands at this time and not others.
I can think of several locations in which a DBA would be considered inapt (operating theatre, wrestling ring, car assembly line). The bit I am struggling with is the appropriate use of the techniques when the DBA is not being inapt (ie at work). Any ideas?
- 35. Nikhil - January 21, 2010
Hi Richard,
I just read the above comments and frankly speaking i'm "confused". I'am a junior DBA and have an experience of around 12 months.
I just want to know clearly whether we need to go for Index rebuilding? Is it really helpful? And if yes, under what circumstances, kindly elaborate.
I'm sorry, i'm just a beginner, if this question is a repetitive one and amuses you.
- 36. I Didn't Know That 2 – What is Wrong with this Quote? « Charles Hooper's Oracle Notes - December 11, 2010


text:
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Two New Programs Push the Envelope
Over the past 34 years, DOE's Weatherization Assistance Program (WAP) has been steadily innovating and improving to deliver better energy efficiency services to low-income families throughout the nation. From the early years of performing basic upgrades, like caulking and insulating, WAP has transformed to a comprehensive, whole-house approach, with computerized audit tools and advanced diagnostic equipment. A $5 billion investment in WAP through the American Recovery and Reinvestment Act of 2009 (the Recovery Act) has greatly expanded the program, and as of May 2011, over 450,000 families had received weatherization services that improved the energy efficiency and comfort of their homes. The program is also creating and supporting thousands of local jobs—over 14,500 in the first quarter of 2011—putting carpenters, electricians, and factory workers back to work installing insulation, upgrading appliances, and improving heating and cooling systems.
WAP's history of advancement and the recent expansion through the Recovery Act have also led to two new programs designed to drive more innovation and provide even greater energy and cost savings to families across the United States.
The first, the Weatherization Innovation Pilot Program (WIPP), will accelerate innovations in whole-house weatherization for low-income families. Through this program, which began in 2010, DOE has awarded $30 million to a total of 16 grantees. Grantees are tasked with applying an experimental approach to the business-as-usual model, with a focus on improving the key performance metrics of weatherization: saving more energy and money in low-income clients' homes, and getting the weatherization job done with less federal investment. A key component of WIPP is leveraging the federal funding. DOE has set a goal of bringing in three nonfederal dollars for every DOE grant dollar issued, which means that $120 million of weatherization services will be provided but only 25% of those funds will come from the taxpayers.
The second new program, Sustainable Energy Resources for Consumers (SERC), provides grants that allow local weatherization agencies to expand upon the technologies they install in homes, including both renewable-energy and energy efficiency technologies that cannot currently be installed under the traditional WAP. These new technologies include solar electricity, small-scale wind energy generation, various water heating technologies, in-home energy monitors, heat pumps, and cool roofs, among others.
Weatherization Innovation—a Scientific Approach
The WIPP grants address the pressing need to increase the rate and total number of low-income residential energy retrofits in the most cost-effective manner. DOE approaches these grants as 16 experiments in how weatherization might be done a little differently, and ultimately more effectively. These grantees will apply four main approaches to accomplish this: financial tools, green and healthy homes, new technologies and techniques, and workforce development and volunteer models.
Financial Tools
The pilot programs that focus on financial tools will explore how a diverse range of financing mechanisms might be used to expand the reach of the federal grant, while still providing the benefits of high-quality weatherization for low-income clients. To investigate these key issues, DOE has funded six grantees to test financial models that allow for greater private sector leveraging.
The Local Energy Alliance Project in Virginia and Stewards of Affordable Housing for the Future in Washington, D.C., have both proposed an Energy Services Company (ESCO) approach to the weatherization of multifamily buildings. A professional ESCO will perform the audit and cost-effective retrofit of the buildings, and the building owners will take out a loan to finance the work, and receive energy savings in excess of the loan payment. The Washington State Department of Commerce will establish partnerships with community development financial institutions to provide financing and also streamline delivery of services through a one-stop entry point for interested multifamily building owners.
Three Grantees are focusing on financing for clients living in single-family or small multifamily buildings. Energy Pioneer Solutions in Hastings, Nebraska, is employing a model in which the DOE grant will pay for approximately half of the services and a homeowner loan that is added directly to the client's utility bill will pay for the remaining costs. This on-bill financing, which is possible because Energy Pioneer Solutions is partnered with the local utility, enables homeowners to see the net benefit they are receiving every month. The Utah Division of Housing and Community Development will partner with the state's housing financing agency and industrial banks to deliver favorable loan terms on weatherization work to homeowners with incomes of 150–200% of poverty. The City of Danville, Virginia, is establishing a revolving loan pool through city funds to enable financing for the weatherization work and will focus on rental properties. Clients served through these three grantees' models will be using the energy savings to contribute to the costs of the weatherization work by paying back a loan over time, and after the loan is fully repaid the clients will receive all the energy-saving benefits.
Green and Healthy Homes
WAP is chartered not only to help low-income families save money on their energy bills, but also to protect the health and safety of its clients. In recent years, an increased emphasis on healthy homes has emerged, and DOE is actively participating in a variety of forums to improve client health and safety. Projects in WIPP will combine weatherization services with a comprehensive green and healthy homes approach that incorporates air quality improvement and lead abatement services, among other things. Two grantees are exploring these questions.
The Coalition to End Childhood Lead Poisoning, in Baltimore, Maryland, will use DOE funds to weatherize homes and nonfederal funds from various foundations, nonprofits, and utilities, along with state and local funds, to reduce mold, stabilize lead paint, and replace windows. United Illuminating, a private utility company based in New Haven, Connecticut, will render its energy efficiency and housing improvement programs more effective by streamlining and integrating them into comprehensive upgrades.
New Technologies and Techniques
Five of the WIPP grants will continue the trend of new and better technologies and techniques to improve the outcome of weatherization work. Two grantees, Vermont Energy Investment Corporation and the Commission on Economic Opportunity of Luzerne County, Pennsylvania, are exploring the use of in-home energy-monitoring devices to help educate low-income families on their energy consumption, and to encourage them to reduce that consumption. They will also explore how energy savings change over time for households with these instruments. In addition to providing the devices, the grantees will deliver various trainings and interventions via phone calls, e-mails, and in-person visits, to learn which types of messages are most effective and which methods pay for themselves over time.
The University of North Carolina at Charlotte is investigating climate-appropriate technologies for the state, which has three distinct climate zones. These technologies include ductless heat pumps, whole-house fans, and the extensive monitoring of in-home energy use. The New Hampshire Community Loan Fund, which works to improve the lives of manufactured housing residents throughout New Hampshire, is partnering with the state's local weatherization agencies to enhance weatherization techniques in manufactured housing parks. The organization is also contributing $2.5 million of funding through the Regional Greenhouse Gas Initiative. Community Environmental Center in Long Island, New York, is implementing a number of innovations, including partnership with state and local organizations to supplement federal funding; working with domestic manufacturers to incorporate highly-efficient windows, reflective roofs, and solar technologies; and an increasing focus on protecting the energy savings through weatherization by working extensively with building maintenance staff.
A $5 billion investment in WAP through the Recovery Act has greatly expanded the program. As of May 2011, over 450,000 families had received weatherization services that improved the energy efficiency and comfort of their homes.
Workforce Development and Volunteer Models
Identifying new ways of getting things done is an integral part of adaptation and innovation within any business or organization. Three of the WIPP grantees proposed alternative workforce development or volunteer-based approaches, and each of these holds promise for creating a new business model for the weatherization of homes for low-income families. The goal of these innovations is to discover if these organizations can adapt their models, which have proven successful over many years in different sectors, to the work of weatherization, and whether the models will prove successful in this sector as well.
Habitat for Humanity International will implement weatherization pilots in 18 or more of its affiliates throughout the country, building upon its traditional success in engaging volunteers to build new homes. This pilot will explore the use of volunteers, coordinated by paid and trained weatherization experts on-site, to weatherize existing homes in line with DOE's protocols. The end goal of this pilot is to establish a Habitat program that requires no federal funding in the future. Building upon its model for developing youth and training them in construction trades, YouthBuild, USA will pilot a nationally coordinated system for six of its local YouthBuild affiliates to move into the weatherization field. YouthBuild is aiming to establish fee-for-service divisions to build upon the work it begins under this DOE grant. People Working Cooperatively in Cincinnati, Ohio, is leveraging state grants and utility funds with this DOE grant to coordinate a full-service weatherization program. The organization also has an extensive volunteer network that it uses to make homes weatherization ready, in preparation for receiving DOE grant funding.
SERC Grants—Exploring New Technologies
In 2007, the Energy Independence and Security Act included a new provision for WAP: In any year for which WAP funding exceeded $275 million, up to 2% of the funding could be set aside to allow "materials, benefits, and renewable and domestic energy technologies" to be installed that cannot traditionally be implemented in WAP. These Sustainable Energy Resources for Consumers (SERC) grants were to be given to local weatherization agencies. Priority would be given to those technologies that were expected to be the most effective and the most beneficial to clients; that were the most easily replicated; that would have the greatest impact on clients' health, safety, and energy costs; and would involve the most extensive partnerships with outside entities.
The Recovery Act's $5 billion funding for WAP far exceeded the $275 million threshold, and $90 million, or nearly the full 2%, was allocated to SERC. In June 2010, DOE asked its 58 Recovery Act grantees to submit applications for SERC grants on behalf of local weatherization agencies in their state or territory, but DOE stipulated that the local agencies must be performing at a high level with their existing Recovery Act funding in order to qualify for a SERC grant. This meant that they must have met at least 30% of their goal for homes weatherized, and have spent at least 30% of their funding, before the Recovery Act grantee could apply for a SERC grant on their behalf.
After reviewing the applications, DOE selected 101 local weatherization agencies in 27 States to implement SERC projects. This means that nearly half of the WAP grantees and 10% of the local agencies are currently participating in SERC projects. These awards will allow local agencies for the first time to install renewable-energy systems and cutting-edge energy efficiency technologies in homes. Table 1 shows a sample of the types of technology that are being installed in these SERC projects.
Implementing the Programs and Evaluating the Results
By the end of July 2011, the projects under both WIPP and SERC grants will be in full swing. DOE has set up resources to help these grantees succeed and to evaluate their results in the coming year. Through the National Renewable Energy Laboratory, the grantees and local agencies can solicit experts to help them get correct and practical answers to their questions. These questions might range from "What is the best type of solar PV system for my application?" to "What is a good model for a request-for-proposal to solicit bids from private companies?" Webinars have been held on the SERC technologies that will most often be installed throughout the country to help weatherization agencies understand the most important considerations when undertaking projects of this kind.
For DOE, the next step is to rigorously evaluate the results of these new programs, so that the successful results can be replicated. To accomplish this, DOE is working with Oak Ridge National Laboratory to administer an independent evaluation of each of the WIPP projects and each of the technologies deployed through SERC. For WIPP, the evaluation focuses on the quality of the weatherization work, the energy savings achieved, and determining how the various innovative approaches worked in practice.
learn more
For more information on WIPP, go to www1.eere.energy.gov/wip/weatherization_innovation.html.
For more information on SERC, go to www1.eere.energy.gov/wip/serc.html.
For SERC, the evaluation focuses on two areas. The first area of focus is the quantitative impact of the project. How much energy did the project save, was it cost-effective, did it help low-income families keep their bills paid and their lights on, and should the technology be rolled into the base WAP? About 15 of the technologies will be rigorously evaluated, using home performance measurements and utility bill readings. The other 30 technologies will be evaluated with moderate rigor, using deemed energy savings values to calculate cost-effectiveness. The second area of focus is the local agencies, and their implementation of SERC projects. Were they able to meet their goals, did the technologies work as expected, and what problems were encountered and overcome? The evaluation of these programs will help provide the information needed to determine which of these new approaches and technologies were successful and which were not.
Pushing the Envelope to Improve WAP
Through the WIPP and SERC grant programs, DOE has invested in efforts to determine if there are new, different, and ultimately better ways to implement weatherization and make the homes of low-income families more healthy, safe, and energy efficient. DOE expects to learn a lot of lessons through WIPP and SERC—lessons on how best to meet that goal, and probably some lessons on what not to do as well. As these projects push the envelope into new and innovative directions, they promise to make WAP stronger for years to come.
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The AC360° study results indicate exposure to diversity is key for children, and young African-American kids are more optimistic about race than white kids.
Post by: Anderson Cooper, Soledad O'Brien
Filed under: Kids on Race • Race in America
The commercial for this show includes the words "what we should be teaching them" referring to what we "should" be teaching our kids about race implying that "we" are not up to the task. So, CNN is now the great, judgemental, all knowing guru that will show us how to raise our kids and what to teach them?
That episode with the parents listening to their children was amazing. More of that type of dialogue could be the key to solving a tremendous amount of sadness and misunderstanding.
Children learn behavoir from conscious and unconscious cues at home. Race is not a predictor of behavior. Its that simple.
My kids learned more about race at school than at home – we never talked about "race" just about Susie, Joey, Robert, etc. By middle school the kids were all self-segregating and culteral differences were dictating things – the Jewish kids were all hanging out together, the Catholic kids (who were likely to go to a Catholic high school), the black kids, etc. Then in high school the black kids all wanted to go to the "black school" and the Jewish kids the "Jewish school" and my kids came home with definite sterotypes – JAPS, ghetto, the black kids calling each other the N word. We have to stop blaming the parents and the teachers and get the kids to take responsibility – we're in an upscale, highly educated diverse area FYI. Kids can't perpetuate ethnic racial stereotypes and expect a different outcome.
Acts of racism occur everyday in this nation. What sets it apart, like the Trayvon matter, is the official sanctioning of racism. by officials in a position of authority. Denial of racism and discrimination is a inherent part of this nations racial history. For 8 years I have tried to expose "State Sponsored Racism" by the NH Judicial Branch where white court officials used my son's race and skin color t0 violate the law, rule of law, equal protection clause and Title IV of the Civil Rights Act of 1964 by ordering him to attend high minority, high poverty, de facto residentially segregated persistently failing school system in the midst of an area of high drug, crime and gang related activities yet the medial isn't interested because it implicates the NH Supreme Court Justices, Governor and the former Attorney General now Senator of racial and gender bias, first amendment retaltion and color of law violation. This is how society works. Had it not been for my extensive background and education in law enforcement/criminal justice I could easily be sitting behind bars because of a retaliatory first amendment arrest due my outspoken opposition to "State Sponsored Racism" in New Hamsphire where Black children are not allowed to live in a white middle class state. We all know racism when we see it. What's Up Anderson and CNN, why the medial bias and blackout. My son is the modern day example of Unlawful Court ordered racial segregation in education perpetrated by the NH Judicial Branch and affirmed, without opinion, by the NH Supreme Court. This is the kind of injustice African Americans routinely suffer at the hand of a corrupt and biased criminal justice system. I've repeatedly challenged the Justices and the Governor to an on-air public debate about racism in tsociety and the court system. As long as there is no national public debate on racism and bias, incidents like mine will continue to happen.
Unfortunately, as a white substitute teacher at racially diverse schools, I have an almost daily behavior problems with black male students. The problems start as soon as they enter the classroom, inappropriate language, disrespectful toward other students and me, unable or unwilling to focus on what the class is doing. Even before I have said a word to the class. It has gotten so stressful, because I don't want to feel racist. And there are plenty of great black male students too. But day after day seeing the same problems surface with this population is so distressing.
Are these high school/middle school or elementary kids/
The study shows that at about 13 years, the attitudes of the kids change quite some
Anderson Cooper goes beyond the headlines to tell stories from many points of view, so you can make up your own mind about the news. Tune in weeknights at 8 and 10 ET on CNN.
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Anderson Cooper sat down with Beyoncé hours before the star took the stage on August 10 at the United Nations General Assembly Hall to sing for an audience that included a mix of celebrities and other invited guests.
The crowd watched her perform "I Was Here" from her album "4," released in 2011. The lyrics express a desire to make an impact in the lives of others: "The hearts I have touched will be the proof that I leave, that I made a difference and this world will see, I was here."
Anderson asked Beyoncé about the song, which she is dedicating to the recognition of World Humanitarian Day. "It says, 'I want to leave my footprints in the sands of time' and it basically is all of our dreams, I think. And that's leaving our mark on the world. I feel like we all want to know that our life meant something," she explained. It's a message she hopes will resonate and inspire acts of kindness around the world.
The show will be used as a music video released on August 19 to mark World Humanitarian Day. The U.N.'s website for the campaign is asking people to add their voice as part of a social media effort to raise awareness. There are also suggestions of how to "do something good somewhere for someone else."
"We all have our purpose, and we all have our strengths...it feels so wonderful to do something for someone else. And I think for the U.N. to want to include the whole world was something important, and I feel like that's what I represent," Beyoncé told Anderson.
During the interview, Anderson also spoke with U.N. under-secretary-general and emergency relief coordinator Valerie Amos about their goal of reaching one billion people, and partnering with Beyoncé. "This is really about saying to everyone out there that this is a day that's both a commemoration because there are a lot of people who lose their lives trying to help people. But it's also a celebration of the things that people do," Amos said.
Watch a preview of their conversation to find out why Beyoncé was attracted to the project, and see the full interview tonight at 8 and 10 p.m. ET on CNN.
Update: Watch the entire interview below.
Post by: Ella Chick
Filed under: 360° Interview • Anderson Cooper • United Nations
Anderson Cooper goes beyond the headlines to tell stories from many points of view, so you can make up your own mind about the news. Tune in weeknights at 8 and 10 ET on CNN.
Questions or comments? Send an email
Want to know more? Go behind the scenes with AC361°


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